money saving tips Archives - Utah First Credit Union

Mar 19, 2026 / Credit

Credit cards are incredibly convenient. They help you manage cash flow, handle emergencies, and even earn rewards. But there’s one part that often feels confusing: interest. If you’ve ever wondered why balances seem to grow faster than expected, you’re not alone. The good news is that credit card interest isn’t magic, it’s math. Once you…

Feb 19, 2026 / Money Tips

To Refi or Not to Refi? 6 Mortgage Questions to Ask Yourself

If you’re a Utah homeowner, you’ve probably asked yourself at some point, “When is the right time to refinance my home?” Totally fair question, and the answer is different for everyone. Refinancing can be a super savvy move when it fits your life, goals, and timing. Whether you’re looking to lower your monthly payment,…

Dec 09, 2022 / Money Tips

Helpful Holiday Savings Ideas

The holidays have always been expensive—the presents, the food, the family gatherings. But this year, the holidays may cost just a little bit more. It’s no secret that record inflation has caused costs to skyrocket. Consumer prices are rising quickly, and that means this year…

Apr 15, 2022 / Money Tips

Two Ways to Combat the Rising Costs of College

College is expensive. It’s always been a stretch for students to save up and work their way through two to four years of traditional college, trade school, vocational school, or some other institution of higher learning. And, it’s only getting pricier with each passing year.…

Feb 04, 2022 / Local Utah

How to Help Teens Save Money

Learning financial concepts can be complicated for young people. Saving money, in particular, can be a difficult lesson to learn when income is low and every possible expense is so exciting. On top of that, financial education is rarely prioritized at the high school level,…

Nov 22, 2021 / Money Tips

Beat the Holiday Shopping Rush with these Helpful Savings Tips

Remember that holiday movie quote about being “grinchy” when Christmas spirit is in short supply? With global supply chain issues and shipping delays making headlines, holiday spirit isn’t the only thing that’s predicted to be in short supply this year. To keep you from feeling…

Mar 18, 2021 / Money Tips

How to Meet Your Savings Goals

Each new season brings a new opportunity to save. Whether you memorialize the moment with a resolution or you just have a general goal to save for your next big purchase, the right savings plan and the right follow-through can help you reach your…

Nov 18, 2020 / Money Tips

4 Tips for Smart Holiday Shopping

The holiday shopping season is upon us (t-minus one week and counting until Black Friday). But with rumors of “shipageddon” (possible delays in parcel deliveries), the challenges of socially-distanced shopping, and certain retailers opting to act as pick-up locations only, this holiday shopping season will…

Aug 25, 2020 / Money Tips

Tips for Conducting an Annual Financial Review

A belated tax season is officially over. Now that you have a better view of your income and expenses over the past year, now is the perfect time to conduct an annual review of your finances. Here are a few tips to help you organize…

Jun 17, 2020 / Money Tips

3 Ways to Make Saving Money More Fun

Is there anything more fun than spending money? Vacations, home improvements, shopping sprees, fancy restaurants—there’s an undeniable thrill to experiencing something new. But in order to spend money, you have to save money first. If only it was just as fun. Here are three creative…